Consider the financial risks by not overextending
yourself when buying a home. A good rule of thumb is not to
buy a home that costs over 2.5 times your annual salary.
Many online calculators can assist you in determining the
maximum price for a home you can afford.
Consider the property and casualty risks. What are the
key loss exposures to the home? For example, is the home in
a flood zone? How far is it from the nearest fire
department? Is it in an earthquake seismic zone 3 or 4?
What is the condition of the home? If it is apparent the
home has not been properly cared for by viewing surface
level deficiencies, there is a good chance that deeper
problems may eventually manifest themselves. Thus, the value
of a good home inspector cannot be overemphasized. If it is
an older home, when were the various systems upgraded?
What types of losses have appeared on the Comprehensive
Loss Underwriting Exchange report during the past 5 years?
For example, a pattern of water losses may be a warning
What type of loss control features does the home have?
For example, is there a central station burglar and fire
alarm system or a sprinkler system? If the home is in a
hurricane-prone area, what windstorm protection devices are
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